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2027 review season. Most supplementary contracts must be cancelled by 30 September, basic insurance by 30 November. We read both — and only move what should move. Supplementary by 30 Sep · basic by 30 Nov.

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Health insurance premium calculator — compare every insurer by postcode.

This calculator is priminfo in English: it compares every insurer's officially approved 2027 basic premium for your postcode, age, deductible and model, with the change since 2026 and each insurer's history since 2016. Basic benefits are identical, so the ranking is a pure price ranking. To switch for 1 January, switch before 30 November.

2027 premiums are out: the Federal Office of Public Health published them on 29 September 2026. Every insurer below shows your own 2026 → 2027 change. To switch for 1 January, your cancellation must reach your insurer by 30 November. What changed in 2027

Your profile

Zürich · canton ZH · premium region 1

Age group

Deductible (CHF)

Insurance model

Accident cover

Employed 8+ hours a week? Your employer already covers accidents — exclude.

Median insurer · 2027

515.20CHF a month

Pick your insurer to see your own premium and its change since 2026.

Cheapest for this profile

471.10CHF a month

Sumiswalder

Cheapest vs most expensive

1'327CHF a year

for identical basic cover — benefits are the same by law

Every insurer, ranked · 2027

monthly premium · change since 2026

  1. 1 SumiswalderBASE 471.10 +5.1%
  2. 2 SLKKBASE 474.40 +5.8%
  3. 3 SanitasBASE 479.90 +4.9%
  4. 4 EGKBASE 488.40 +4.6%
  5. 5 WädenswilBASE 489.70 +5.0%
  6. 6 SympanyBASE 489.90 +6.9%
  7. 7 AtupriBASE 490.20 +4.2%
  8. 8 AssuraBASE 491.00 +5.3%
  9. 9 ConcordiaBASE 495.00 +3.1%
  10. 10 Mutuel (Groupe Mutuel)BASE 496.30 +4.3%
  11. 11 KPTBASE 498.10 +3.1%
  12. 12 ÖKKBASE 505.70 +9.5%
  13. 13 HelsanaBASE 509.40 +6.4%
  14. 14 Avenir (Groupe Mutuel)BASE 515.20 +9.2%
  15. 15 rhenusanaBASE 515.90 +9.0%
  16. 16 AquilanaBASE 516.60 +5.0%
  17. 17 Luzerner HinterlandBASE 516.80 +14.0%
  18. 18 SWICABASE 524.40 +7.4%
  19. 19 AgrisanoBASE 525.40 +8.1%
  20. 20 SteffisburgBASE 529.50 +2.5%
  21. 21 Einsiedler KrankenkasseBASE 534.20 +2.5%
  22. 22 sana24BASE 536.00 +3.2%
  23. 23 Philos (Groupe Mutuel)BASE 540.80 +2.7%
  24. 24 CSSBASE 548.40 +12.8%
  25. 25 vita surselvaBASE 551.80 +2.8%
  26. 26 VisanaBASE 566.00 +4.4%
  27. 27 GalenosBASE 581.70 +4.5%

Zürich city (premium region 1), adult 26+, CHF 2’500 deductible, standard model, accident excluded. Each insurer's cheapest approved tariff for this profile.

The decade behind the price

your insurer market median cheapest that year

    History at the CHF 2’500 deductible, so every year compares like with like.

    Where the calculator stops

    The price is the easy part. Four things it cannot see.

    Your supplementary contract

    Basic cover moves freely — every insurer must accept you. Supplementary doesn't: a new insurer can ask health questions and say no. Cancel it first and it may be gone for good.

    Whether the model fits your life

    The cheapest rows are often HMO or telmed. They work well — until you see a specialist without the referral and the claim comes back refused.

    Your deductible break-even

    CHF 2’500 saves premium. With regular treatment it can cost you more than it saves. The break-even is arithmetic, and it depends on your year, not an average one.

    Coverage that pays vs coverage that fights

    Premiums are public; claim behaviour isn't. Two insurers at the same price can treat the same invoice very differently. That part we see every week.

    What the review gives you

    Bring your premium letter. Leave with it in writing.

    In 45 minutes we read your 2027 premium letter against your supplementary contract, your model and your deductible — then send your free personal report within 3 working days. Sometimes it says keep what you have.

    01Your situation
    Canton, family, work, the cover you hold today.
    02How we decided
    The reasoning in writing — why each option won or lost.
    03Side by side
    The real alternatives, including the one we advised against.
    04Cost at a glance
    What every person pays, to the franc.
    05Recommendation
    What to do, in order — and what not to buy.
    Book your first Swiss insurance review

    Free · 45 minutes · In English · With Robert

    The sample report, member by member (page 8 of 11) Page two of the sample report: In short (page 2 of 11) The cover of the sample report (page 1 of 11) At full size, from the sample: Sofia Hartmann, born 1990, spouse — CHF 448.35 a month: basic (KVG), telemedicine, CHF 2,500 deductible, CHF 308.40; outpatient supplementary (VVG) CHF 52.15; hospital private (VVG) CHF 87.80; total CHF 448.35.
    A real sample report — the Hartmann family.
    Open it full-screen · Download the PDF · What's inside

    Method and source

    Every figure is an officially approved list premium from the Federal Office of Public Health's open dataset "Krankenversicherungsprämien", tariff years 2016–2027. For each insurer we show its cheapest approved tariff for the model you pick, in your premium region, age group and deductible. Postcodes map to premium regions with the official BAG table.

    Not included: cantonal premium subsidies, discounts from the second child, and cross-border (EU) tariffs. The decade chart uses the lowest or highest deductible — whichever is closer to yours — so years compare like with like. The premium increase for every canton is in all 26 cantons, 2027; the long view is in the Expat Health Insurance Index; switching itself is explained in the switching guide.

    Premium questions

    What people ask about premiums.

    When were the 2027 Swiss health insurance premiums published?
    The Federal Office of Public Health (BAG) published the approved 2027 premiums on 29 September 2026, and insurers send the individual premium letters in October. This calculator shows the 2027 tariffs and your own 2026 → 2027 change. The 2028 premiums follow in late September 2027.
    What is priminfo, and is there a priminfo in English?
    Priminfo is the Federal Office of Public Health's official premium comparison, in German, French and Italian. This calculator reads the same approved 2027 tariffs in English: enter your postcode, age, deductible and model, and every insurer is ranked for you. Nothing is estimated and nothing comes from insurer websites.
    How do I compare health insurance in Switzerland by postcode?
    Enter your postcode, age group, deductible and model above. The premium region follows from the postcode, and every insurer's approved basic premium is ranked for it, cheapest first. Compare the same model and deductible across insurers, because the model and deductible move the price more than the insurer does.
    Is basic health insurance the same at every insurer?
    Yes. Basic insurance (KVG/LAMal) benefits are fixed by federal law (Art. 25 KVG) and identical at every insurer. Every insurer must also accept you (Art. 5 KVAG). The only differences are the premium, the insurance model and the service — which is why the ranking above is purely a price ranking.
    What is the deadline to switch basic health insurance?
    30 November each year (Art. 7 KVG). The cancellation must arrive at the current insurer in writing — not be postmarked — by that date. Register with the new insurer in parallel: the old cover ends only once the new insurer confirms your new coverage (Art. 7 Abs. 5 KVG), so no gap can occur. Supplementary insurance is different — never cancel it before a new insurer has accepted you in writing.
    Why does the calculator show accident cover excluded by default?
    If you work at least 8 hours a week for one employer, accidents are already covered through your employer under the accident insurance law (UVG), and you can exclude accident cover from your health insurance to save premium. Self-employed people, students, retirees and anyone working fewer hours should include it.
    Why can my premium differ from the calculator?
    The calculator shows the approved list premium of each insurer's cheapest tariff for your model, premium region, age group and deductible. Your letter can differ because of your exact tariff (insurers run several per model), discounts from the second child, cantonal premium subsidies, or because you hold an older tariff that is no longer the insurer's cheapest.
    Where does the premium data come from?
    From the Federal Office of Public Health's open dataset "Krankenversicherungsprämien" on opendata.swiss — every officially approved basic-insurance premium, 2016–2027. Postcodes are mapped to premium regions with the official BAG table. Nothing is estimated and nothing is taken from insurer websites.